between six and eight weeks
Getting a discharge in a Chapter 13 case generally takes between six and eight weeks after making your plan’s final payment. This time frame depends upon the court’s caseload — the busier the court, the longer you may have to wait for your discharge letter.
How long does it take to get discharge papers?
Once filed, a Chapter 7 bankruptcy typically takes about 4 – 6 months to complete. The bankruptcy discharge order that provides you with permanent debt relief is granted 3 – 4 months after the case is filed.
We discuss the timeline in the Chapter 13 bankruptcy process, but generally, you will receive the discharge order about 1-3 months after completing your Chapter 13 plan payments. The length of your Chapter 13 plan varies from case to case. In most cases, the plan length is between 3-5 years.
When does a discharge occur in a chapter 13 bankruptcy?
Since a chapter 12 or chapter 13 plan may provide for payments to be made over three to five years, the discharge typically occurs about four years after the date of filing. The court may deny an individual debtor’s discharge in a chapter 7 or 13 case if the debtor fails to complete “an instructional course concerning financial management.”
What happens if you file Chapter 7 bankruptcy but not Chapter 13?
If you file for Chapter 7 bankruptcy, you can discharge your obligation to the creditor but not to your former spouse. If your former spouse ends up having to pay the debt, he or she can come after you for that money. But Chapter 13 discharges your obligation to both the creditor and your former spouse.
Can a hardship discharge be used in Chapter 7 bankruptcy?
Such a discharge is available only to a debtor whose failure to complete plan payments is due to circumstances beyond the debtor’s control. The scope of a chapter 13 “hardship discharge” is similar to that in a chapter 7 case with regard to the types of debts that are excepted from the discharge.
How can I find out when I have been discharged from bankruptcy?
In some cases you might be discharged later. This is called ‘delayed discharge’. Check your discharge date using the Individual Insolvency Register on GOV.UK. During the bankruptcy period an ‘official receiver’ from the Insolvency Service handles your bankruptcy.
